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It is unknown whether this policy change affects contracts signed or renewed under the company’s former terms.Merchants should also keep in mind that resellers may be able to adjust the service agreement to up to five years and add cancellation fees if they desire.In fact, Costco Merchant Services is often mistaken as its own credit card processing company when it is simply acting as a sales agent of Elavon.Merchants who use Costco Merchant Services often complain that they expected to receive the usual wholesale costs that Costco is known for, and that they were surprised when they encountered Elavon’s industry-standard pricing.Prior to February 2013, the company’s standard merchant account contract included a three-year service agreement with a 5 early termination fee if cancelled within the first year, or 5 if cancelled within the second or third year.Since February 2013, it appears that Elavon has ceased to include an early termination fee in its standard contract.

Elavon’s pricing and contracts terms may vary from merchant to merchant based upon processing volumes, business types and risk variables.Of the total complaints, 57 are due to billing and collection issues, 95 to problems regarding products and services, 19 to advertising and sales issues, and two are related to delivery problems.The report states that 50 complaints were successfully resolved but that 124 left the merchant dissatisfied or did not receive a final evaluation from the merchant.Elavon seems to go to great lengths to conceal the relationship between Ladco and Elavon, probably due to the fact that there are very few positive reviews of Ladco to be found online.It is important to keep in mind that Elavon is a huge processor and that the bigger a merchant service company becomes, the more complaints it will have.

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